Financial planning strategies

So my current strategy has been to take modest salary, divs up to HR limit, little or no pension contribution to try and amass as big a warchest as possible. Plan then is to leave contracting several years down the line with bumper a ER payout and go and do some other totally different work.

Expecting that this other work may see me salaried paying higher rate I'd then look to take salarly sacfrifice on anything above the HR threshold to fund my pension. Thus catching up on missed pension contribution in a tax efficient way.

I'm concerned of 3 areas of law that may change and scuppper my plans.

Pension higher rate "relief" removal

ER on disposal meddling

Private sector blanket inside IR35. aka "the death of contracting"

The threatened removal of higher rate relief saw me putting a lump sum into pension days before the last budget so I'm considering doing this again although it makes a mess of my overall strategy.

I know I could just pay into pension now and later when permie but I'd rather do ISAs, BTL etc as part of retirement income investments which need funds in the near term.

Interested to know your thoughts on the best approach/risk mitigation - or indeed what others are doing if in a similar situation?

Thanks though without trudging through all 78 pages worth I'm none the wiser as on the face of it that thread is about what to invest in. My dilemma is about where to source investment funds from and tax efficiency. I can invest in the same shares, funds etc in an ISA or a SIPP.

Thanks though without trudging through all 78 pages worth I'm none the wiser as on the face of it that thread is about what to invest in. My dilemma is about where to source investment funds from and tax efficiency. I can invest in the same shares, funds etc in an ISA or a SIPP.

Is there a particular part of that thread that's relevant?

To be honest, I do not think you are going to find what you are looking for here. Sure, there's advice like starting a SIPP, paying as much as you into it as a company contribution, up to GBP 40k etc... Then starting an ISA, and so on. But you need to look elsewhere beyond that. And actually, there has never been so much information so readily available. Just ask Google where you can find. If you are starting from a base of close to zero knowledge, I recommend you start by downloading and reading all the free guides from Hargreaves Lansdown. Then, perhaps we can help a little more.

To be honest, I do not think you are going to find what you are looking for here. Sure, there's advice like starting a SIPP, paying as much as you into it as a company contribution, up to GBP 40k etc... Then starting an ISA, and so on. But you need to look elsewhere beyond that. And actually, there has never been so much information so readily available. Just ask Google where you can find. If you are starting from a base of close to zero knowledge, I recommend you start by downloading and reading all the free guides from Hargreaves Lansdown. Then, perhaps we can help a little more.

Not sure if you followed my op. Looking at Hargreaves bumpf isn't going to inform an answer. This is not a question of what should i invest in.